Ditchin' Debt

This year we wanted to give everyone at my daughter's daycare a Christmas gift without breaking the bank. We found out that there was a dollar tree by us and wanted to go by for a visit to check it out since we’ve never been to one before. We lived in the city and there was a dollar general near us but they sold things over a dollar. Some items in there were up to $5 so we never bothered shopping there. We were blown away at dollar tree though. There were some things in there where we would both stop and say “This can’t be just a dollar!" Now, this store is both a blessing and a curse. Yes, everything in there is just a dollar, but sometimes you end up leaving there with a bunch of stuff and $20 less then you came in with! We wanted to be frugal with our Christmas shopping so we came up with a plan before we shopped.  We knew we wanted to give them something cute, but not just food. My wife found these cute snowmen mugs and we decided they’d be the perfect gift f

The new year is right around the corner, and I’m excited to see what the new year brings! So far this year I have: Reached 131 followers on twitter I was blown away at how many followers I gained in three months. The way I achieved this is by not using twitter just to post my content. I made twitter pals that I interact with, and also post about both my life and financial life. People don’t want to just see your blog posts, they want to interact with a human! Blogged at least once every week for three months It may not be the same day every week, but I did manage to post at least once a week (excluding holiday weeks) on my blog. I didn’t realize how much I have to plan in advance for posting blog posts. My goals for 2020: Reach 500 followers on twitter I am hoping to surpass this goal by June but I like to give myself goals that are reachable rather than goals that are a bit harder to reach. Once I start getting better at blogging I’ll make more difficult goals. But for now

If your mortgage is over 4% then like mine, you’re on the struggle bus when it’s that time of the month to pay your mortgage. As of this blog post, some people are offering interest rates as low as 3.5% but there are some things you need to know before refinancing your mortgage, loan or anything else you may be able to refinance. Shop around for rates When I was looking to refinance my mortgage, I knew we wanted something that would decrease our current interest rate (4.625%) and monthly payments. Here are some of the interest rates I was given per company: Company A: 3.625%-3.75% with a monthly payment of $1,600 Company B: 3.275% but didn't give a monthly payment (the guy also seemed like he was distracted so I didn’t trust the estimate) Company C: 3.5% with a monthly payment of $1,131 Company D: 3.625% with a monthly payment of $1,135 Cash-out refinance vs traditional refinance This is a hard decision to make. If you choose to cash out you get cash upfront for